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公开(公告)号：US10664821B2
公开(公告)日：2020-05-26
申请号：US15216322
申请日：2016-07-21
发明人： Nishith Shah
摘要： Systems, methods, apparatus and computer program code are provided to receive payment card and mobile identity information from a mobile device associated with a user, determine account and mobile device eligibility and capability and in the case where the mobile device is NFC capable, triggering a tokenization process to generate a tokenization record associated with the payment card, storing the payment card information associated with the user securely, and transmitting card reference information associated with at least one of (i) the tokenization record, and (ii) the stored payment card information to the mobile device for use in transactions.
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公开(公告)号：US12099987B2
公开(公告)日：2024-09-24
申请号：US18134264
申请日：2023-04-13
发明人： Nishith Shah , Walter Pimenta , Gerardo Cardone , David Goldschmidt , Christopher Loh , Abhijit Malvi
CPC分类号： G06Q20/3226 , G06Q20/10 , G06Q20/3821 , G06Q20/401 , G06Q2220/00
摘要： A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.
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公开(公告)号：US20170024720A1
公开(公告)日：2017-01-26
申请号：US15216322
申请日：2016-07-21
发明人： Nishith Shah
摘要： Systems, methods, apparatus and computer program code are provided to receive payment card and mobile identity information from a mobile device associated with a user, determine account and mobile device eligibility and capability and in the case where the mobile device is NFC capable, triggering a tokenization process to generate a tokenization record associated with the payment card, storing the payment card information associated with the user securely, and transmitting card reference information associated with at least one of (i) the tokenization record, and (ii) the stored payment card information to the mobile device for use in transactions.
摘要翻译： 提供系统，方法，装置和计算机程序代码以从与用户相关联的移动设备接收支付卡和移动身份信息，确定帐户和移动设备资格和能力，并且在移动设备具有NFC功能的情况下，触发 生成与支付卡相关联的标记化记录，存储与用户安全地相关联的支付卡信息，以及发送与（i）标记化记录和（ii）所存储的支付卡中的至少一个相关联的卡参考信息 信息到移动设备用于交易。
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4.发明公开公开(公告)号：US20240054471A1
公开(公告)日：2024-02-15
申请号：US17886918
申请日：2022-08-12
发明人： Christopher Loh , Gerardo Cardone , John J. Doherty , Luis Filipe de Almeida Ferreira da Silva , Nishith Shah , Robert Gerald Leonard , Smita Sebastian
CPC分类号： G06Q20/223 , G06Q20/204 , G06Q20/4012 , G06Q2220/00
摘要： Systems and methods for providing push payment transaction processing in a card-present environment are provided. The described push payment transactions processing enables a user having any form factor visiting at a merchant location accepting payment cards to perform push payment transactions. Indeed, push payment transactions can be supported from physical point-of-sale (“POS”) or originate from POS terminals. During the described push payment transaction processing, a merchant acquirer can receive, from a POS terminal, a push payment transaction request comprising at least a transaction type indicating a push payment transaction, transaction information, authorization data, and sender information. In response to receiving the push payment transaction request, the merchant acquirer can generate an application programming interface (API) request package comprising the push payment transaction request; and communicate the API request package to an intermediary platform connected to a payment network.
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公开(公告)号：US11640598B2
公开(公告)日：2023-05-02
申请号：US16887105
申请日：2020-05-29
发明人： Nishith Shah , Walter Pimenta , Gerardo Cardone , David Goldschmidt , Christopher Loh , Abhijit Malvi
摘要： A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.
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公开(公告)号：US20230245094A1
公开(公告)日：2023-08-03
申请号：US18134264
申请日：2023-04-13
发明人： Nishith Shah , Walter Pimenta , Gerardo Cardone , David Goldschmidt , Christopher Loh , Abhijit Malvi
CPC分类号： G06Q20/3226 , G06Q20/3821 , G06Q20/10 , G06Q20/401 , G06Q2220/00
摘要： A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.
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公开(公告)号：US20200380492A1
公开(公告)日：2020-12-03
申请号：US16887105
申请日：2020-05-29
发明人： Nishith Shah , Walter Pimenta , Gerardo Cardone , David Goldschmidt , Christopher Loh , Abhijit Malvi
摘要： A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.
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